Copyright 2013. Marguerite Widener. All Rights Reserved.

 Counseling for individuals, families

and couples. Phone 760-522-0710


It is your responsibility to contact your insurance carrier to find out what kind of behavioral health benefits that you are entitled to.  Some important questions that you may want to ask when contacting your insurance provider include:

  • Does my plan include behavioral health benefits?
  • Is there a limit to how many sessions I can utilize per year?
  • Do I need a referral from my primary care physician to begin treatment or can I set it up myself?
  • If I choose to use Marguerite Widener, LCSW for behavioral health services, is she in network or out of network?
  • What is the copay for utilizing my behavioral health benefits?
  • Do I have a deductible and how close am I to meeting my deductible?
  • If I choose to see Marguerite Widener, LCSW as an out of network provider, how will this effect my deductible, copay and authorization needs?

In Network Provider

As a network provider I will file your insurance claims for you and they will reimburse me directly.  You will be responsible for paying any deductible or copay at the time services are rendered.  I am a network provider with the following insurance companies:

Blue Shieldof California    

MHN

Medicare


Out of Network Provider

If I am not a network provider with your insurance carrier and you would like to schedule an appointment you can check with your carrier to see if they provide "out of network" benefits for behavioral health.  Many insurance carriers do provide this option.  If you decide that this is the route you would like to take I will provide you with a superbill so that you may submit to your insurance carrier for reimbursement.  You will be responsible for payment at the time of services and your insurance provider would reimburse you directly.  It is important that you discuss this option directly with you insurance carrier so that there are no surprises in terms of reimbursement.

*Please remember that insurance is not a guarantee of payment.  Though I will do my best to obtain or assist in reimbursement for services, ultimately you are responsible for payment of services.  That is why it is very important that you are aware of the full scope of your behavioral health benefits before beginning treatment.